I am a physician loan specialist and have been a loan officer for over 20 years along with prior experience in mortgage processing and underwriting. This has given me a deep understanding of lending guidelines, document analysis, as well as how to effectively navigate a transaction from application to closing. I am fully confident that we can provide you a positive and seamless experience with First Citizens!
States: FL, GA, MD, NC, SC, TN, VA, WV, WI
Fixed rate and ARM options depending on loan amount and occupancy type. Primary residence – 100% financing up to $1,000,000; 95% up to $1,250,000; 90% up to $1,500,000; 80% up to $2,000,000; 75% to $3,000,000. Second home – 89.99% financing up to $1,250,000; 85% up to $1,500,000; 80% up to $2,000,000. Construction and Renovation – 89.99% financing up to $1,500,000; 85% up to $1,750,000. Minimum credit score – 680. Eligible borrowers include US Citizens, Permanent Resident Aliens, and Non-Permanent Resident Aliens
Medical residents, interns, fellows and practicing physicians with the following designations~ MD, DDS, OD, DP, DPM, DO, DMD, DCh
Program is open to all qualifying doctors regardless of years in practice, flexible underwriting on student loans, down payment and reserves may be gifted, excellent client service, and retained loan servicing. I specialize in physician lending and have over 20 years of experience in mortgage loan originations. I also have prior experience in loan processing and underwriting. Our origination and fulfillment teams have a great partnership environment and I’m confident in our ability to deliver a smooth and stress free experience. Apply online here.